The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$19,341
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,943
−HK$611/mo
Today · 4.125%
HK$20,554
baseline
▲ 0.50% · 4.625%
HK$21,805
+HK$1,251/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,108/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,517
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,094
−HK$585/mo
Today · 4.125%
HK$22,679
baseline
▲ 0.50% · 4.625%
HK$23,875
+HK$1,196/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,358/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,210
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,931
−HK$734/mo
Today · 4.125%
HK$24,665
baseline
▲ 0.50% · 4.625%
HK$26,166
+HK$1,501/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,330/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,820
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,513
−HK$702/mo
Today · 4.125%
HK$27,215
baseline
▲ 0.50% · 4.625%
HK$28,650
+HK$1,435/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,430/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,078
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,920
−HK$856/mo
Today · 4.125%
HK$28,776
baseline
▲ 0.50% · 4.625%
HK$30,527
+HK$1,751/mo
Deposit HK$2.54M · loan HK$5.94M · min. income ≈ HK$57,552/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,124
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,932
−HK$819/mo
Today · 4.125%
HK$31,751
baseline
▲ 0.50% · 4.625%
HK$33,425
+HK$1,674/mo
Deposit HK$2.54M · loan HK$5.94M · min. income ≈ HK$63,502/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,814
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,897
−HK$1,100/mo
Today · 4.125%
HK$36,997
baseline
▲ 0.50% · 4.625%
HK$39,249
+HK$2,252/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$73,994/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,731
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,769
−HK$1,054/mo
Today · 4.125%
HK$40,823
baseline
▲ 0.50% · 4.625%
HK$42,975
+HK$2,152/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$81,646/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,462 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).